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Every January it seems like a wave of "New Year, New You" ads and articles hits our social feeds and inboxes. The idea is that we've crossed a threshold and can focus on self-improvement. We can really get serious about losing that weight, starting a yoga practice, learning a foreign language, writing that book, etc., etc., etc.

There’s no question, we are living in an environment of rising interest rates. But what does that actually mean? Many consumers start to worry about their buying power when they see the news reports of increasing rates.